This was on Javelin's blog this morning.
I always cringe when I hear people use the terms mobile banking and mobile payments as if they were both one and the same thing. There are conferences titled "Mobile banking and mobile payments" but when you look at the actual topics everything is pretty much mobile banking. Now, James Van Dyke at Javelin has just done a blog post on this exact subject.
The belief that when people start looking at their bank accounts with their mobile phones more often, they will automatically also want to use their mobile phones to pay, has always felt like sloppy thinking. Managing your bank account and paying at a retail outlet are completely different things, from a usage standpoint.